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2� 1 ��2324
<br /> Th�Fund�sha11 be held in an institu�tion�vhose d�posits are insured by a federal agen�y, instrum�ntality,or
<br /> entit�(in�luding Lender, if Lender is an institutian wh�se deposits axe so insured}or in any Federa�Home
<br /> Loan Ban1�. Lender shall apply the Funds to pay the Escrow Items no later than the time speci#"ied under
<br /> RESPA. Lender sh�ll not charge Borrower for hoiding and appt�ing�the Funds�annually analy�ing the
<br /> escro�v account,or verif�ria�the Escrow Items,unless Lender pays Borrdwer in��erest on the Funds and
<br /> Applicabl�Law germits Lender to make such a charge.Unless an agreement is made in writing or
<br /> Applicable Law requues interest�o be paid on the Funds,Lender shalt not be required to pay��rrawer any
<br /> interest or earnings on t�e Fun�is. Borro�ver and Lend�r can�gree in writing,h��vever,that interest shall be
<br /> paid on th�Funds, Lender sha�t give to B�rra�ver,without charge,an annual accounting�f t�e�unds as
<br /> required by RESPA.
<br /> If ther�is a surplus of Funds held in escro�v,as defined under�E�PA,Lender sha11 account tQ Borro�ver for
<br /> the excess fun�s in ace�rdance with RESPA. �f there is a�hortage of Funds held in escrow,as defiaed under
<br /> RESPA,Lender sha11 noti�y�orrower a�required by RESFA,and�orr�wer shall pay to Lender the amount
<br /> � necessary to make up�he shortage in.accordance with RESPA,bu�in n�more than 12 monthly payments. �f
<br /> there i�a deficiency of Funds h.eld in escro�v,as defined under RESPA,Lender shalt notify Barrower as
<br /> re�u�red by�SP.A,and�Q�ro�er sha��pay tv Lender the amount necessary to ma.ke u�the def�c�enc�in
<br /> aGCvrdanC�With RE SPA,but in no more than 1�mon�hly payments.
<br /> Upon payment in fuil of al�sums secured b�this Security In.strurnent,Lender shall prarnptly refund to
<br /> Borrower any Funds heid by Lender.
<br /> �. �harges;Liens.Borrower sha��pay a11 taxes, assessmen�s, charges, fines, and impositions attributabl�ta
<br /> � the Proper�y which can attain priori�y o�er�his Security Instrument, leasehold payments or graund rents an
<br /> � the Property, if any,and��mmunity Association Dues,Fees,and A�sessments, if any.To�he extent that
<br /> th�s�items are Escrotiv Items,B�rrower sha11 pay them in th�manner provided in Sectian 3.
<br /> � Bortower sha11 prnmp�ly discharge any lien which has priarity aver this Security Instrument unless
<br /> Borrower: (a]agrees in�riting to th�payment of the o�ligatian secured b�the Iiea in a manner accepta.ble
<br /> ; tv Lender,b�t vn�y so�ong as�orro�ver Ys perforrr��r�g such agreement; (b)contests th���e�.�n go�d faxth by,
<br /> � or defend�against enforc�ment of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br /> the enforcement of the�ien while those proceedings are pending,but only un��1 such proceedings are
<br /> � concluded;or���secures from the holder of the lien an a�areement�atisfactory to Lender�ubvrdinating th�
<br /> lien to this Security Instrument.If Lender determines that any part af the Property is�ub�ect t�a Iien which
<br /> ' can attain priarity over this Secur�ty Ins�rument,Lender may give Borrower a natice identifying the lien.
<br /> ' Within 1�days af the dat�on.which that not�ce is given,��rrower shall satis�'y the I�en or take on.e or more
<br /> of the actions set forth ab��e in this Section 4.
<br /> Lender may require Bonower to pay a one-time charge for a rea�estate�ax verifie�tion andlor reporting
<br /> service u�ed by Lender�n�onnection with this Loan.
<br /> 5. Prvperty Insuranee.Borrower shall keep the impravements now existin�or hereafter erected on�he
<br /> ' Property insured against loss by fue$hazards ineluded withir�the term"extended coverage,"and any other
<br /> hazards including,but not 1�m�ted ta,earth�uakes and fl�ods,for�vhich Lender requires insurance. Th�s
<br /> insurance shal�be maintained�n the am�unts(including cieductible 1evels}and for the periods that Lender
<br /> ; requires. What Lender requires pursuant to th�prec�ding sentences Gan change during the term of th�Laan.
<br /> The i�.surance carri�r providing the insurance shall be chosen by Barrv�ver�u�aj ect to Lender's right to
<br /> � disapprov�Borrotive�''s choice,tivhich right sha��not be exerc�sed unreasonab�y.Len.de�may re�uu'e
<br /> Borrawer to pa�r,in conneetion with this Loan,either: �a)a one-time charg�far flflod zone d�termination,
<br /> certification and track�ng ser�ices;or�b)a one-time charge for flood zone determination and certification
<br /> NEBRASKA-5ingle Family-Far�nie MaelFreddie Mac L1NfFQRM INSTRLIMENT WITH MERS Form 3�281f41
<br /> VMP�l VMPBA[NE)t�3U2j.44
<br /> Woiter�Kiuwer Finan�ial Services Page 6 af 17
<br /> q43354215309 �233 33� 4617
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